The picture shows Ding Peng, general manager of JD.COM Digital Insurance Division.
According to reports, the "guarantee library" system in the above solution focuses on the trading links of insurance services such as underwriting, anti-fraud, preservation, renewal, payment and settlement, order service and product library service; The "security" system supports post-transaction services and fulfillment links, such as closed-loop services such as claims settlement, fulfillment, risk control, supplier and service provider management. At the same time, based on the "security" system and the supply chain capabilities formed by the "security" system, JD.COM digital technology services can decouple the eight precipitation capabilities and export them to insurance companies in the form of SaaS, providing them with scenes, customers and out-of-the-box digital platform services.
Taking the application of "Treasure House" system as an example, this system can help insurance companies to realize reverse customization of insurance products. On the one hand, it can analyze data, abstract customer portraits and analyze customers' insurance needs; On the other hand, it can analyze the terms, responsibilities, plans and risk preferences of insurance companies, and accurately formulate product plans according to the differentiated insurance needs of customers; At the same time, in the process of product operation, the feedback data generated in the process of marketing, underwriting, preservation and claim settlement are used to constantly correct customer portraits and promote product iteration. For example, in August 2020, JD.com cooperated with China Life Insurance Company to customize the health insurance product Super Medical Insurance.
The core competence of the "hedging" system stems from the accumulation of insurance value-added services in JD.com for many years. In the past six years, this kind of value-added service has accumulated 25,000+service SKUs, 5,000+maintenance outlets, more than 40,000 service engineers, 7 self-operated maintenance centers and exclusive customer service. The "security" system can face all kinds of subjects in the insurance industry chain, including insurance companies, brokers, value-added service providers and maintenance providers.
Ding Peng said that from the current industry practice, major insurance companies in the insurance industry are constantly increasing their investment in science and technology, and with the development of artificial intelligence, cloud computing, big data, blockchain and other technologies, they will build a new "moat" with science and technology, and insurance technology will be the strongest power engine to accelerate the leap-forward of the insurance industry. JD.COM digital insurance technology services will continue to provide value for the industrial chain, promote the digitalization process of the insurance industry, help insurance companies to reduce costs and increase efficiency to achieve business growth, and also provide better insurance services and experiences for users.